PBWM Risk Sanctioning Unit AVP

Overview

Join a team where your judgement shapes the future of Private Banking. This role sits at the heart of Barclays’ Private Bank & Wealth Management (PBWM) Risk function, providing critical credit sanctioning across a diverse product suite—from complex mortgages to investment‑backed lending. It’s an opportunity to influence high‑value decisions, work closely with front‑office stakeholders, and ensure that every credit decision upholds Barclays’ commitment to robust risk management.

For the right candidate, this is a chance to become a trusted decision maker in a high‑impact environment where analytical thinking and ownership truly matter.

To be successful as a Credit Sanctioning Analyst, you should have experience with

• Credit sanctioning or credit structuring within a financial institution
• Reviewing and synthesising large volumes of information to form sound credit views
• Applying risk analysis techniques to ensure adherence to credit risk policies and standards

Some Other Highly Valued Skills May Include

• Confident decision‑making in situations where information is incomplete or ambiguous
• Strong stakeholder management, particularly with front‑office teams
• Taking ownership of outcomes and making informed, well‑reasoned judgements

You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job‑specific technical skills.

Location: Glasgow

To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices.

• Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.
• Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency.
• Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.
• Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements.
• Development and implementation of appropriate course of action for troubled lending, including workout plans, restructuring, or collections.

• To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes.
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
• OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.
• Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.
• Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.
• Take ownership for managing risk and strengthening controls in relation to the work done.
• Perform work that is…